Commercial Real Estate (CRE) Portfolio Manager - CommunityONE Bank (Charlotte, NC) in Charlotte, North Carolina For Sale

Commercial Real Estate (CRE) Portfolio Manager January 22, xxxx - February 11, xxxx Location: Charlotte, NC Exempt/Non-Exempt: Exempt Employment Type: Full Time Department: Risk Management Description: Serves as a dedicated resource to the Credit Risk Executive Team Provides a wide range of credit and sales support services to assigned CRE Team Duties: Assists in the financial analysis, credit underwriting and approval process. Identifies cross-selling opportunities, prepares credit approval packages, annual reviews, renewals and modifications, credit proposals, and coordination of document preparation and closing. Monitors and manages maturing loans. In collaboration with the CRE Executive and CRE Relationship Managers, acts as an additional contact to the customer. Coordinates credit and loan-portfolio administration support such as monitoring/contacting past dues, document exceptions, collateral value monitoring, portfolio and loan level stress tests and covenant compliance. Engages vendors for all third party reports to include but not limited to, appraisals, environmental site assessments, property condition assessments, surveys, AIA and engineering checklists/inspections. Maintains contact with vendors and attorneys throughout the closing process to insure that documents, checklist(s) and budgets are received prior to closing. Conversant with terminology and clearing exceptions contained in title binders and policies. Works closely with the CRE Commercial Banking Associate to coordinate loan closings. Performs other duties and functions as assigned by the Commercial Risk Executive and as directed by CRE Executive and serves as a vital part of the team approach in the Commercial Real Estate credit delivery model. Position reports directly to the Commercial Risk Executive. In addition, may lead a team of Portfolio Managers, directing and coordinating the financial analysis, underwriting and portfolio management activities of the team. Qualifications: Five years of lending experience. Undergraduate degree or equivalent experience with strong CRE lending credit knowledge. Demonstrated ability to complete analysis across all Commercial Real Estate property types to include income property analysis, sensitivity analysis, global cash flow analysis, and to integrate that analysis into a well-written and thorough credit package. Conversant with various income, cost, and market approaches/reconciliations to value. Thorough understanding of construction lending including construction budget management, J-curves, and percentage of completion spreadsheets. Strong knowledge of traditional bank products and services including deposit and treasury management products. Solid sales skills. Excellent customer service skills. Demonstrated ability to meet aggressive deadlines per customer demands and ability to change work schedule to accommodate competing priorities. Strong computer skills with emphasis on Excel and Word. Flexible; readily adapts to change and new products, systems or methods. Strong oral and written communication skills.
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